Jack Henry & Associates Q4 FY26 earnings
Revenue $644M. Net income $111M.
Jack Henry closed its fiscal year with a $644M quarter. Payments, the largest segment, brought $240M, 37% of revenue, up 5% Y/Y. Net income was $111M, 17% of revenue.
Cloud reached $756.9M in FY25, from $327.7M in FY17.
Jack Henry's cloud services and support line reached $756.9M in FY25, from $327.7M in FY17. On-premise support moved from $297.2M to $353.1M over the same span. Odd fiscal years are drawn; years end June 30.
Deconversion revenue: $42.8M in FY26, $30.0M of it operating income.
Deconversion revenue is money Jack Henry itself describes as driven by factors outside its control, not ongoing operations. It came to $42.8M in FY26, with $30.0M of it operating income.
Where the revenue came from
| Segment | Amount | % of revenue% | Y/Y |
|---|---|---|---|
| Payments | $240M | 37.3% | +5% |
| Core | $192M | 29.8% | +2% |
| Complementary | $189M | 29.3% | +5% |
| Corporate Services | $23M | 3.6% | +30% |
The quarter, line by line
| Line | Amount | % of revenue% | Y/Y |
|---|---|---|---|
| Revenue | $644M | ||
| Cost of revenue | $370M | 57.5% | |
| Gross profit † | $274M | 42.5% | |
| Operating income | $137M | 21.2% | |
| Pretax income | $140M | 21.7% | |
| Income tax | $29M | 4.4% | |
| Net income | $111M | 17.3% |
Effective tax rate: 20.4%. That is tax as a share of pretax income. The 4.4% in the column above is tax as a share of revenue, which is not a tax rate.
† The filing doesn't print this line. We calculated it from the filed figures; it adds up to the dollar.
The last 8 quarters
| Quarter ended | Revenue | Net income | Net margin |
|---|---|---|---|
| Jun 30, 2026 | $644M | $111M | 17.3% |
| Mar 31, 2026 | $636M | $123M | 19.3% |
| Dec 31, 2025 | $619M | $125M | 20.1% |
| Sep 30, 2025 | $645M | $144M | 22.3% |
| Jun 30, 2025 | $615M | $128M | 20.7% |
| Mar 31, 2025 | $585M | $111M | 19.0% |
| Dec 31, 2024 | $574M | $98M | 17.1% |
| Sep 30, 2024 | $601M | $119M | 19.8% |